I thought I was signing up for updates with this monthly fee for 3 reports/scores. Nothing updates unless I pay again! Even with the 30% discount that seems like scam. Am I doing something wrong?
It's a scam one way or the other. Paying for a number on a screen is ridiculous in my books. You can pull your reports for free at creditkarma and all the other free monitoring services. Not to mention the free annual report everyone gets.
It's a scam
You don't seem to understand what the word means. You may not see value in it but that doesn't make it a scam. myFICO is completely upfront about what they charge and what they offer.